Constantly charged arrears that I don't have

In November I was sent the statement that stated that I had arrears on my two African bank accounts,knowing that I haven't skipped any payment and actually I pay more than my monthy instalments, I confronted African bank and the matter was resolved and was cleared that I have no arrears,in December they debited my bank account twice on each African bank account, when I told them to reverse the money they reversed it back to the bank account that I no longer use rather than sending it back to the current account where they debited from,now in January they sent me different statements that states that I have arrears again and now they charged me arrears interests and double insurances that increase my debt,I have tried several times to approach them but they always dismiss me, I called different departments but what I get is stinky attitude not solving the problem